Burial Insurance with Heart Bypass Surgery

Getting burial insurance with heart bypass surgery is easier than most people think. Whether you have had heart bypass surgery, or suffer from other health complications, we can still be able to purchase the burial and funeral life insurance coverage that you deserve.

The time that passed since your last heart bypass surgery will determine what plans you will qualify for, and your rates.

In this article, we will explain everything you need to know about burial insurance with heart bypass surgery.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF HEART BYPASS SURGERY?

There are different types of heart bypass surgery that the insurance companies will want to know about:

  • Single bypass
  • Double bypass
  • Triple bypass
  • Quadruple bypass
  • Quintuple bypass

If you have had any type of heart bypass surgery, the time that passed after your surgery is the most critical issue with most burial insurance companies. It is the deciding factor that will determine what plan you will qualify for and your premium.


IF YOUR HEART BYPASS SURGERY WAS OVER 24 MONTHS AGO

If your heart bypass surgery event occurred more than two years ago, you will likely qualify for full, first-day coverage.

Almost every single funeral insurance company has a two-year look back on heart bypass surgery. After that time period, they will often approve you for their lowest rates and immediate protection.

This plan does not have a waiting period, and your beneficiary will receive the full death benefit whenever you pass away.

Best Option: Level death benefit plan with first-day coverage


IF YOUR HEART BYPASS SURGERY WAS OVER 1 YEAR AGO

If your heart bypass surgery was more than a year ago but less than two years, you may qualify for a first-day benefit plan. Some insurance carriers only look back one year on heart bypass surgery. We have access to these companies.

You will be covered from the first-day and your death benefit will be phased in over time.

Best Option: First-day benefit plan


IF YOUR HEART BYPASS SURGERY WAS WITHIN THE LAST 12 MONTHS

If you have heart bypass surgery within the previous 12 months, your best life insurance option is a guaranteed issue burial insurance.

Guaranteed issue burial insurance can be issued regardless of your health condition. If you pass away from natural causes during the first two years, the insurance company will not pay the full death benefit, instead, they will refund the premiums you paid plus 10% interest.

Best Option: Guaranteed issue burial insurance


WHY DO YOU NEED TO TAKE A GUARANTEED ISSUE POLICY IF YOUR HEART BYPASS IS VERY RECENT

When you have had a very recent heart bypass surgery, and guaranteed issue life insurance is the only option, most people ask “why do I need to get a plan like that doesn’t cover from the first day?”

Here’s why we recommend guaranteed issue life insurance for those who have a very recent heart bypass surgery:

  1. You could be a complication from your surgery.
  2. You could have another heart attack or heart health crisis.
  3. You could develop other high-risk conditions like diabetes or high blood pressure.
  4. Your doctor may prescribe a new medication that is flagged by the life insurance company.

All adverse future health events may prevent you from qualifying for affordable burial insurance with first-day coverage.

If you wait a year to get better options, any negative changes to your health may eliminate you from qualifying for a level death benefit plan with first-day coverage. It also means you still have to wait two years before your coverage begins.

You’ll never know what will happen tomorrow so you shouldn’t wait any longer to get the coverage you need.

Bottom line: The sooner you work on the waiting period the sooner you will get full coverage.


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I HAVE HEART BYPASS SURGERY, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

You are NOT required to take a medical exam to qualify for burial insurance with heart bypass surgery.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!


BURIAL INSURANCE UNDERWRITING IF YOU HAVE HEART BYPASS SURGERY

Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.


HEALTH QUESTIONS:

Every burial insurance company with underwriting will ask about heart surgery in their health questionnaire.

Here are some common questions they may ask:

  • Have you had any type of heart surgery within the last 12 months?
  • Have you had any type of heart surgery within the last 2 years?

The type of surgery you have is generally a non-issue to burial insurance companies. They are more concerned about when you had your heart bypass surgery.

When you had the surgery will dictate if they will charge more money and if you need a waiting period.

The more time that passed since your surgery, the more likely your application for the best plan will be approved.


HOW MUCH INSURANCE DO I NEED IF I HAVE HEART BYPASS SURGERY?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL 
Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


HOW SHOULD I PAY MY PREMIUMS?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


HEART BYPASS SURGERY AND BURIAL INSURANCE RIDERS

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


INFORMATION WE NEED IF YOU HAVE HEART BYPASS SURGERY

We will ask you several questions about your bypass surgery for your application.

It is crucial that you provide us as much information as possible. The information you provide will help us understand your current health situation so that we can give you an accurate quote.

Here’s a list of questions that our agent will ask you when you apply for life insurance after having heart bypass surgery:

  • When did you have your bypass surgery?
  • How old were you when your heart bypass surgery was completed?
  • How many blocked arteries did you have treated?
  • Why did you need to have bypass surgery?
  • Do you have other risk factors for heart disease such as smoking, high blood pressure or high cholesterol?
  • Did you experience any complication like internal bleeding, cardiac tamponade, or a stroke after the surgery?
  • What medications are you taking after the bypass surgery?
  • Are you a smoker? How many cigarettes do you smoke per day?

It is important to be completely honest when you answer these questions. This process allows us to provide you with an accurate quote and ensures that the company we recommend is the best fit for you (with the best pricing).

The more information you provide, the better your chance of being matched to the right company.


WHAT IF I HAVE BEEN DECLINED FOR LIFE INSURANCE?

Most people that come to us wanting to get life insurance have been declined at least once. The truth is they have been shopping on their own (or with an inexperienced agent), and that’s why they are declined before.

If your life insurance application has been declined in the past, we can help you get coverage. One of the worst mistakes that you can make is to avoid getting life insurance because of your condition.

Working with an independent agency like Funeral Funds that works with high-risk life insurance on a regular basis will always get you approved for the best coverage and rates.

Funeral Funds specializes in helping heart bypass patients or those that fall under the high-risk category. We know what companies offer the best plan and the best rates.


BENEFITS OF BURIAL & FUNERAL INSURANCE

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE WITH HEART BYPASS SURGERY

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with heart bypass surgery
  • Cremation insurance plan with heart bypass surgery
  • Funeral home insurance plan with heart bypass surgery
  • Final Expense insurance plan with heart bypass surgery
  • Prepaid funeral plan insurance with heart bypass surgery
  • Mortgage payment protection plan with heart bypass surgery
  • Mortgage payoff life insurance plan with heart bypass surgery
  • Deceased spouse’s income replacement plan with heart bypass surgery
  • Legacy insurance gift plan to family or loved ones with heart bypass surgery
  • Medical or doctor bill life insurance plan with heart bypass surgery

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy with a heart bypass surgery needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies anymore because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for heart bypass surgery funeral insurance, heart bypass surgery burial insurance, or heart bypass surgery life insurance, we can help.

Fill out our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Heart Bypass Surgery Infographic

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